For lenders and insurers
Underwrite what a store really does.
A corner store’s credit file is a bank statement and a few years of tax returns. Its insurance file is an inspection from whenever someone last walked in. Neither knows what the store sold last week, or that it stopped selling at all.
Discuss a use caseCorner market
Example store read
- Units sold, last 3 months
- Up 11%
- Trading days with sales
- 91 of 92
- Last sale seen
- Today, 6:42 pm
- Shared by
- Written authorization from the store
What the paperwork can’t tell you.
What it actually sells.
Month over month, from the counter, instead of what a store reports once a year.
Which way it’s heading.
Early signs that a business is growing or shrinking, before they reach a statement.
Whether it’s still trading.
A counter that goes quiet is visible the week it happens, not at the next renewal.
What’s moving between inspections.
What’s coming through the store, between the times someone walks in to look.
The store decides.
We share a store’s data with a lender or insurer only on its separate written authorization, naming you and the purpose, and the store can withdraw it. You keep it confidential, use it for that purpose alone, and don’t use it to decide any individual’s personal credit, insurance or employment.
The same signal answers other questions too
Tell us what you can’t underwrite.
Name the kind of store and the place you’ve never been able to price with confidence.